SPEAKER INDEX    Segment 2 of 2   Previous Segment (1)
CONTENTS   INSERTS   
BECKER         172    201    202  
BENTSEN        155    157    158  
BEREUTER       120  
DINGELL        166    167  
FINK           179    201    203  
FISCHER        167    169    175    190    191    197    198    199    201  
               202    204    206    207  
GENSLER        124    142    151    152    153    156    157    158    159  
               162    164    165    166  
GONZALEZ       159    160  
GRAMLICH       123    128    145    150    163  
HARDING        185    191  
HAWKE          130    143    146    154    155    156    158    159  
INSLEE         121    152    153    154    155    200    201    202    203  
               204    205    206    208  
LAFALCE        117  
MALONEY        161    162    163    164  
MEYER          176    189    190    193    201  
MOORE          122  
NAZARETH       135    144  
PALMISANO      182    191    195    196  
PITOFSKY       133    143    147    148    149    151  
REIDER         138    160    161    162    164  
ROUKEMA        113    117    120    122    123    128    130    133    135  
               138    141    143    144    145    149    152    155    159  
               161    164    165    166    167    168    171    174    175  
               178    182    185    188    189    190    191    193    197  
               200    201    203    205    208  
ROYCE          149    150    151    152    158  
SANDLIN        161  
VENTO          115    145    146    147    148    165    194    196    197  
               198    199    200    207    208  
WATT           166  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. GARY GENSLER, UNDER SECRETARY FOR DOMESTIC FINANCE, DEPARTMENT OF THE TREASURY
                                                                 PAGE   124

STATEMENT OF HON. EDWARD M. GRAMLICH, MEMBER, BOARD OF GOVERNORS, THE FEDERAL RESERVE SYSTEM
                                                                 PAGE   128

STATEMENT OF HON. JOHN D. HAWKE, JR., COMPTROLLER, OFFICE OF THE COMPTROLLER OF THE CURRENCY
                                                                 PAGE   130

STATEMENT OF ROBERT PITOFSKY, CHAIRMAN, FEDERAL TRADE COMMISSION
                                                                 PAGE   133

STATEMENT OF HON. ANNETTE L. NAZARETH, DIRECTOR, DIVISION OF MARKET REGULATION, SECURITIES AND 
EXCHANGE COMMISSION
                                                                 PAGE   135

STATEMENT OF HON. GEORGE M. REIDER, JR., COMMISSIONER OF INSURANCE, STATE OF CONNECTICUT; 
PRESIDENT, NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS
                                                                 PAGE   138

STATEMENT OF L. RICHARD FISCHER, PARTNER, MORRISON AND FOERSTER, ON BEHALF OF THE AMERICAN BANKERS 
ASSOCIATION, CONSUMER BANKERS ASSOCIATION, FINANCIAL SERVICES ROUNDTABLE, AND VISA U.S.A., INC.
                                                                 PAGE   169

STATEMENT OF BRANDON BECKER, PARTNER, WILMER, CUTLER & PICKERING, ON BEHALF OF THE SECURITIES 
INDUSTRY ASSOCIATION
                                                                 PAGE   171

STATEMENT OF ROBERTA B. MEYER, SENIOR COUNSEL, CONSUMER AFFAIRS UNIT, AMERICAN COUNCIL OF LIFE 
INSURANCE
                                                                 PAGE   176

STATEMENT OF MATTHEW P. FINK, PRESIDENT, INVESTMENT COMPANY INSTITUTE
                                                                 PAGE   178

STATEMENT OF DR. DONALD J. PALMISANO, M.D., J.D., BOARD OF TRUSTEES, AMERICAN MEDICAL ASSOCIATION
                                                                 PAGE   182

STATEMENT OF DR. RICHARD K. HARDING, M.D., VICE CHAIRMAN, CLINICAL AFFAIRS, PROFESSOR OF 
NEUROPSYCHIATRY AND PEDIATRICS, UNIVERSITY OF SOUTH CAROLINA SCHOOL OF MEDICINE
                                                                 PAGE   185


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING